Stellar (XLM) → USD Coin (USDC Polygon)

The order runs on autopilot: the rate is locked when you create it, and the payout leaves as soon as the network confirms your transfer. No manual approval, no working hours.

Rate and amounts for XLM → USDC Polygon 1 XLM = 0.225668 USDC Polygon 1 USDC Polygon = 4.4313 XLM

Rate as of Sep 30, 2026 23:20

Orders from: 450.5258 XLM ≈ $101.35
Payout network: Polygon
24 hours: +2.03%

You send

XLM

You get 1,128.34

USDC Polygon

Create the order

Rate: 1 XLM = 0.225668 USDC Polygon
From: 450.5258 XLM
Up to: 44,500,000 XLM

Preliminary figure: the final amount is locked in the order.

The direction is holding at 0.225668 USDC Polygon per 1 XLM (4.4313 XLM per 1 USDC Polygon). Over 24 hours XLM/USDC Polygon came in at plus 2.03%. Over the week, plus 9.16%.

The weekly range ran from 0.199223 to 0.231924 USDC Polygon, a spread of 16.41%. One order takes from 450.5258 to 44,500,000 XLM. In dollars that is roughly $101.35.

The robot sends the payout in the Polygon network, so the address has to belong to that network — a transfer to another one will not arrive. Market capitalisation puts Stellar at No. 20 ($7.88 B) and USD Coin at No. 6 ($74.2 B). Over 90 days the daily moves of XLM and USDC correlate at 0.04 (they travel apart).

Which network USDC arrives in

The same USDC goes out in several networks. Each has its own rate and its own floor, and the fee is charged by the network itself.

Network	Per 1 XLM	From	Network fee	Speed
Ethereum (ERC20)	0.225668	912.7419 XLM	≈ $0.06	medium
Solana	0.225668	912.7419 XLM	≈ $0.0006	fast
Arbitrum One	0.225668	912.7419 XLM	≈ $0.0037	fast
BASE	0.225668	912.7419 XLM	—	—
BNB Smart Chain (BEP20)	0.225668	450.5258 XLM	≈ $0.0025	fast
Avalanche C-Chain	0.225668	450.5258 XLM	≈ $0.0036	fast
NEAR	0.225668	450.5258 XLM	—	—
Optimism	0.225668	450.5258 XLM	≈ $0.00019	fast
Polygon open	0.225668	450.5258 XLM	≈ $0.002	fast
XLM	0.225668	450.5258 XLM	—	—

XLM → USDC: all networks side by side Network charges for USDC

Rate and amounts for XLM → USDC Polygon

Send XLM — receive USDC PolygonNeed USDC Polygon — send this much XLM

XLM	USDC Polygon
500	112.8339
2,000	451.3355
5,000	1,128.34
20,000	4,513.35
50,000	11,283.39
200,000	45,133.55

USDC Polygon	XLM
200	886.2587
1,000	4,431.29
2,000	8,862.59
10,000	44,312.93
20,000	88,625.87
100,000	443,129.35

How the XLM → USDC Polygon exchange runs

Work out the amount in the calculator — orders start at 450.5258 XLM.
Give a USDC address on Polygon and a contact for the order.
Send XLM on Stellar, exactly the amount the order shows.
Nothing else is needed from you: as soon as the network confirms the transfer, the robot sends USD Coin to your address. The order page shows the status.

Swap XLM for USDC Polygon

Check this before sending XLM

The address network is Polygon. Sending through another network almost always means losing the transfer.
The transfer must not be smaller than 450.5258 XLM.
Copy the address in full, then check its first and last characters once it is pasted.
Send exactly the amount stated in the order: the automation matches your payment against it, and any difference sends the order back for recalculation.

How the XLM to USDC Polygon rate has moved

WeekMonthQuarterYear

high 0.231924 USDC Polygonlow 0.199223 USDC Polygon

Sep 23, 2026 23:21Sep 30, 2026 23:21

high 0.232226 USDC Polygonlow 0.174667 USDC Polygon

Aug 31, 2026 05:00Sep 30, 2026 05:00

high 0.232226 USDC Polygonlow 0.154767 USDC Polygon

Jul 2, 2026 05:00Sep 30, 2026 05:00

high 0.410094 USDC Polygonlow 0.143382 USDC Polygon

Oct 1, 2025 05:00Sep 30, 2026 05:00

24 hours: +2.03%
Week: +9.16%
Weekly high: 0.231924 USDC Polygon
Weekly low: 0.199223 USDC Polygon
Spread: 16.41%

Market data from CoinGecko as of Sep 30, 2026 22:57. The exchange rate is worked out separately and differs from the market one. How these numbers are counted

The XLM/USDC Polygon spread by period

Period	High	Low	Middle	Period result
24 hours	0.230403	0.22094	0.223458	+2.03%
Week	0.231924	0.199223	0.217391	+9.16%
Month	0.232226	0.174667	0.193443	+30.61%
Quarter	0.232226	0.154767	0.184188	+15.8%

Figures are in USDC Polygon per unit of the currency you send, taken from market data.

Daily XLM → USDC Polygon rate

Day	Close	Against the day before
Sep 30, 2026	0.228129 USDC Polygon	−1.76%
Sep 29, 2026	0.232226 USDC Polygon	+7.62%
Sep 28, 2026	0.215781 USDC Polygon	−0.33%
Sep 27, 2026	0.216491 USDC Polygon	−1.69%
Sep 26, 2026	0.22021 USDC Polygon	+1.26%
Sep 25, 2026	0.217474 USDC Polygon	+7.61%
Sep 24, 2026	0.202093 USDC Polygon	−6.45%

Market data: XLM and USDC

Stellar XLM

Price: $0.224961
24 hours: +2.02%
Week: +11.92%
Market cap: $7.88 B
24-hour turnover: $357.62 M
Rank by cap: #20
In circulation: 35.02 B XLM
All-time high: $0.875563

USD Coin USDC

Price: $0.999819
24 hours: −0.01%
Week: −0.01%
Market cap: $74.2 B
24-hour turnover: $17.83 B
Rank by cap: #6
In circulation: 74.21 B USDC
All-time high: $1.04

Source: CoinGecko, Sep 30, 2026 22:57.

Stellar and USD Coin: how they differ

	Stellar (XLM)	USD Coin (USDC)
Ticker	XLM	USDC
Type	coin of its own network	token
Launched	2014	2018
Built by	Jed McCaleb, Joyce Kim	Circle
Consensus	Stellar Consensus Protocol	—
Block	~5 sec	—
Supply cap	50 B XLM	no cap
Privacy	transfers are public	—
In circulation	35.02 B XLM	74.21 B USDC
Market cap	$7.88 B	$74.2 B
Rank by cap	#20	#6
Network	—	Polygon
Fees are paid in	—	POL

Daily moves of XLM and USDC over the quarter link at 0.04 (they travel apart).

Why people take the XLM → USDC Polygon route

Stepping out of the swingsXLM moved +30.6% over the past month. USDC tracks the dollar, so after the swap the amount stops following XLM.
It works both waysThe USDC Polygon → XLM direction is open as well — going back into XLM takes the same route and the same automation.

Common questions: XLM → USDC Polygon

What rate does XLM to USDC Polygon run at?

As of Sep 30, 2026 23:20 it is 1 XLM = 0.225668 USDC Polygon. The figure updates on its own, and the calculator always shows the current one. On the market that is around $0.225627.

What amounts does XLM → USDC Polygon accept?

From 450.5258 to 44,500,000 XLM per order. The floor is roughly $101.35.

Why can I not swap less than 450.5258 XLM?

The network fee and the handling do not depend on the amount. On a transfer below 450.5258 XLM they eat a noticeable share of it, and the swap stops making sense for either side.

Is anything charged on top of the rate?

No. The payout is already worked out at the rate in the calculator. Separately you pay only the network fee for sending XLM, and the blockchain takes that one.

How long does swapping XLM for USDC Polygon take?

The clock starts with confirmations: as soon as Stellar confirms your transfer, the order goes out for payout with no operator involved. After that the timing is set by how busy the network is — which is the difference between quick and instant. A block in Stellar closes in about 5 sec.

Which network will USDC Polygon arrive in?

The payout goes out on Polygon. Check that the receiving wallet supports that network.

Which network is cheaper for receiving USDC?

Usually USDC SOL, USDC Arbitrum, USDC BEP20, USDC AVAX C, USDC Optimism, USDC Polygon works out cheaper. Still, the network is picked by what the recipient accepts, not by the fee.

What happens if the rate moves while I am paying?

Nothing: the rate is locked in the order and holds for as long as the order is alive. It is recalculated only if the payment arrives late or for a different amount — so send the exact sum, and send it promptly.

What did the XLM to USDC Polygon rate do over the month?

Over the month, plus 30.61%: a low of 0.174667, a high of 0.232226, an average of 0.193443 USDC Polygon per 1 XLM.

Can I swap back, USDC Polygon for XLM?

Yes, the reverse is open too: 1 USDC Polygon = 4.4312 XLM. The link to switch sits under the calculator.